U.S. Census Bureau
 American Housing Survey (AHS)




American Housing Survey for the United States: 1999


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Table 3-15. Mortgage Characteristics--Owner Occupied Units
[Numbers in thousands.  Consistent with the 1990 Census.  ... means not applicable or sample too small.  - means zero or rounds to zero.]
Housing unit characteristics
Physical problems
Household characteristics
Total
occupied
units		 New con-
struction
4 years		 Mobile
homes		 Severe Moderate Black Hispanic Elderly
(65 years
and over)		 Moved in
past year		 Below
poverty
level		 Total
occupied
units		 In MSAs
Central
cities		 Suburbs Outside
MSAs		 Urban
Total		 Outside
MSAs		 Rural
Total		 Suburbs Outside
MSAs		 Regions
Northeast		 Midwest South West

Total		 68796 4825 5649 869 2056 6013 4087 17196 5636 6276 68796 15512 36015 17269 44139 4972 24657 12256 12297 12644 17568 25180 13403

Mortgages Currently on Property

None, owned free and clear		 25604 865 2988 457 1097 2086 1299 13105 1187 3964 25604 5408 11833 8364 15240 2446 10364 4412 5918 4593 6705 10115 4190
Regular and home equity mortgages@6 6279 446 77 50 112 372 288 368 246 129 6279 1327 3902 1050 4393 343 1886 1174 707 1359 1902 1634 1384
Regular mortgage only 30102 3207 2119 298 673 2846 2194 2349 3763 1608 30102 7202 16662 6238 20210 1806 9891 5401 4432 5230 7353 10821 6697
Home equity mortgage only 2784 92 105 15 65 208 104 644 74 141 2784 571 1518 694 1687 176 1097 576 518 732 851 738 463
With regular mortgage,
home equity not reported		 2503 127 213 23 55 269 115 425 238 246 2503 639 1321 543 1630 117 873 444 426 461 461 1158 422
No regular mortgage,
home equity not reported		 1525 89 147 26 54 232 86 305 128 187 1525 366 779 380 979 84 546 248 296 268 296 714 247

Number of Regular and Home Equity
Mortgages@6

1 mortgage		 31647 3202 2208 297 707 2947 2205 2935 3729 1693 31647 7424 17547 6676 21018 1900 10629 5798 4776 5767 7942 11185 6753
2 mortgages 6972 500 78 65 125 433 347 379 318 164 6972 1553 4203 1216 4895 405 2077 1256 811 1478 2040 1808 1647
3 mortgages or more 415 26 15 1 13 34 26 20 26 13 415 93 257 66 296 18 119 71 48 50 92 152 122
Number not reported 4157 232 360 49 115 513 210 756 375 441 4157 1035 2175 948 2689 203 1468 719 745 756 789 1921 692

Type of Home Equity Mortgage

Units with 1 or more home equity
mortgages		 9062 537 182 65 177 580 392 1013 320 270 9062 1898 5420 1744 6079 519 2983 1751 1225 2091 2752 2372 1847
Lump sum only 3680 229 79 23 91 326 212 353 140 129 3680 832 2126 722 2497 213 1182 672 509 897 1141 894 748
Credit line only 5013 280 85 39 75 224 159 621 161 118 5013 989 3073 952 3330 288 1683 1014 664 1124 1513 1350 1025
With outstanding balance 3260 169 43 31 50 123 75 401 69 60 3260 620 2017 623 2110 163 1151 688 460 727 1012 825 696
Both 48 2 2 0 0 0 0 7 0 7 48 3 39 7 30 0 18 11 7 11 18 9 10
Type not reported 321 26 16 2 11 30 20 32 19 16 321 74 183 64 222 18 100 54 46 59 80 119 63

OWNERS WITH ONE OR MORE REGULAR MORTGAGES

Total		 38883 3779 2409 371 841 3487 2598 3142 4247 1983 38883 9167 21885 7831 26233 2266 12650 7020 5565 7050 9716 13613 8503

Type of Primary Mortgage

FHA		 5410 452 88 62 114 981 647 277 742 237 5410 1756 3007 646 4215 254 1195 795 392 743 1060 2237 1369
VA 1893 144 33 23 20 265 129 136 209 62 1893 620 972 301 1407 130 486 301 171 168 404 815 505
Farmers Home Administration 330 44 29 5 11 52 28 44 55 33 330 51 156 123 146 31 184 92 92 24 83 168 55
Other types 28204 2967 2026 247 623 1815 1622 2116 2962 1345 28204 5912 16176 6116 18438 1698 9766 5307 4418 5570 7559 9009 6066
Don't know 105 5 17 7 5 18 11 13 5 6 105 32 48 26 72 2 33 10 24 13 22 48 22
Not reported 2942 167 216 26 67 355 161 556 274 299 2942 796 1527 620 1955 151 986 515 469 532 589 1336 486

Lower Cost State and Local Mortgages

State or local program used		 3199 203 82 45 81 539 353 223 394 189 3199 947 1548 704 2285 264 914 463 440 545 813 1144 697
Not used 32756 3424 2115 298 696 2584 2062 2383 3590 1506 32756 7438 18796 6522 22006 1851 10750 6030 4671 5972 8326 11165 7293
Not reported 2929 152 212 28 64 365 182 536 264 288 2929 782 1542 605 1942 151 986 528 454 533 578 1305 513

Mortgage Origination

Placed new mortgage(s)		 38199 3753 2328 353 820 3426 2521 3084 4181 1926 38199 8968 21551 7680 25734 2210 12465 6933 5470 6999 9624 13255 8321
Primary obtained when property
acquired		 27479 3421 2035 245 601 2755 2019 1990 4130 1522 27479 6644 15271 5565 18594 1639 8885 4923 3926 4954 6510 10545 5470
Obtained later 10720 332 294 108 219 672 502 1095 51 404 10720 2324 6280 2116 7140 571 3580 2010 1544 2045 3113 2710 2851
Assumed 585 24 75 15 18 44 72 53 52 47 585 170 285 130 425 48 160 75 82 41 81 319 144
Wrap-around 27 2 5 0 0 4 4 5 7 4 27 4 18 5 19 3 7 5 3 2 4 12 9
Combination of the above 73 0 0 3 3 12 1 0 7 5 73 26 32 16 55 5 18 8 11 8 8 28 30

Payment Plan of Primary Mortgage

Fixed payment, self-amortizing		 31469 3164 1971 287 674 2680 2099 2147 3532 1369 31469 7373 17931 6165 21314 1785 10155 5719 4380 5807 7950 10840 6872
Adjustable rate mortgage 2057 171 50 34 42 139 147 174 155 79 2057 460 1169 428 1425 156 632 357 272 380 509 599 568
Adjustable term mortgage 277 30 41 0 10 46 16 42 35 41 277 59 117 101 140 15 137 49 85 44 72 97 64
Graduated payment mortgage 363 72 24 3 9 32 35 21 76 17 363 90 225 49 261 18 102 71 31 67 78 96 122
Balloon 305 42 28 3 3 22 16 33 34 38 305 57 152 96 200 28 104 36 68 26 127 92 59
Other 3 0 0 0 0 0 0 0 3 0 3 3 0 0 3 0 0 0 0 0 0 3 0
Combination of the above 273 31 14 0 3 14 11 20 26 12 273 66 140 66 186 18 87 39 48 35 119 57 62
Not reported 4138 269 282 44 100 554 274 705 385 427 4138 1060 2151 927 2705 245 1433 749 682 691 861 1830 757

Payment Plan of Secondary Mortgage

Units with two or more mortgages		 1493 124 37 16 34 135 114 63 128 55 1493 411 789 293 1078 91 415 211 201 194 304 507 488
Fixed payment, self-amortizing 1240 107 22 15 32 118 98 44 106 41 1240 355 647 238 911 81 329 170 157 157 265 419 398
Adjustable rate mortgage 36 2 2 0 0 2 4 2 2 5 36 5 25 7 22 2 14 9 4 4 3 13 16
Adjustable term mortgage 84 3 13 0 0 9 3 11 0 4 84 14 45 25 47 4 37 17 20 10 18 34 22
Graduated payment mortgage 21 2 0 0 2 3 2 0 2 0 21 8 12 0 15 0 5 5 0 2 3 8 8
Balloon 30 5 0 0 0 1 0 1 8 0 30 7 18 5 23 0 7 2 5 1 5 7 17
Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Combination of the above 18 0 0 1 0 0 2 0 0 0 18 5 8 5 15 3 2 0 2 7 5 5 1
Not reported 64 5 0 0 0 3 6 4 10 5 64 17 34 13 44 0 20 7 13 12 6 21 26

Lenders of Primary and Secondary
Mortgages

Only borrowed from firm(s)		 34642 3553 1989 319 684 3001 2295 2505 3797 1552 34642 8054 19755 6833 23447 2018 11195 6320 4815 6366 8841 11719 7717
Only borrowed from seller 551 11 129 12 59 41 82 20 92 73 551 138 212 202 316 44 235 78 157 47 150 258 96
Only borrowed from other individual(s) 364 18 49 3 13 31 19 35 56 36 364 67 203 93 234 30 130 64 64 40 90 150 84
Borrowed from a firm and seller 52 3 0 3 0 2 3 0 8 8 52 25 15 12 34 3 17 8 9 5 0 25 21
Borrowed from a firm and other
individual		 35 2 0 0 0 0 0 0 3 0 35 6 19 10 25 5 10 5 5 11 5 2 17
Borrowed from seller and other
individual		 3 0 3 0 0 0 0 0 0 0 3 0 0 3 0 0 3 0 3 3 0 0 0
One or both sources not reported 3237 191 239 33 85 412 199 581 291 314 3237 877 1682 678 2176 166 1061 546 512 579 631 1459 568

Items Included in Primary Mortgage
Payment@1

Principal and interest only		 12160 1311 1540 117 335 857 638 1282 1048 790 12160 2141 6347 3672 6827 822 5333 2470 2849 1826 3338 3795 3200
Property taxes 22451 2070 344 223 390 2097 1716 1191 2725 774 22451 5975 13261 3215 16683 1215 5767 3722 2000 4485 5498 7917 4550
Property insurance 19999 2030 581 180 368 1996 1604 1004 2458 729 19999 5347 11573 3079 14584 1135 5415 3426 1945 3334 4797 7709 4159
Other 1215 92 6 9 26 123 103 38 157 27 1215 382 657 175 962 81 252 155 95 267 253 435 260
Not reported 3375 203 249 25 78 394 183 586 350 320 3375 877 1808 690 2231 165 1144 614 525 628 690 1476 582

Year Primary Mortgage Originated

2000 to 2004		 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
1995 to 1999 21815 3769 1710 165 499 1819 1500 1170 4113 965 21815 4947 12432 4436 14436 1228 7379 4125 3208 3496 5711 7475 5134
1990 to 1994 8945 11 450 102 180 687 612 570 61 449 8945 1993 5196 1755 6076 556 2870 1658 1200 1760 2164 3205 1816
1985 to 1989 3675 0 164 54 79 339 212 372 21 236 3675 946 1990 739 2513 226 1162 646 514 890 825 1274 686
1980 to 1984 1293 0 46 14 26 159 86 211 13 70 1293 339 674 280 890 87 403 208 193 292 252 525 224
1975 to 1979 1692 0 22 20 24 212 103 298 5 105 1692 490 884 318 1241 94 451 227 224 322 393 611 365
1970 to 1974 805 0 16 7 16 168 41 234 18 76 805 248 395 163 588 36 217 91 127 157 213 278 157
1960 to 1969 645 0 2 8 17 99 43 274 18 81 645 201 304 139 477 39 168 65 100 125 155 244 121
1950 to 1959 14 0 0 0 0 4 0 13 0 1 14 4 10 0 14 0 0 0 0 8 4 2 0
1949 or earlier 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Median 1996 1997 1996 1994 1996 1995 1996 1991 1997 1995 1996 1995 1996 1996 1995 1995 1996 1996 1996 1995 1996 1995 1996

Term of Primary Mortgage at Origination
or Assumption

Less than 8 years		 1055 106 327 15 51 113 69 115 134 128 1055 196 477 382 575 91 480 189 291 104 355 463 133
8 to 12 years 1353 94 291 16 88 68 85 116 120 112 1353 201 536 616 631 135 722 239 480 212 418 549 174
13 to 17 years 8036 591 704 82 175 575 370 585 570 367 8036 1700 4308 2029 4891 559 3145 1668 1470 1467 2283 2929 1357
18 to 22 years 2591 362 406 31 60 258 126 278 207 154 2591 505 1167 919 1348 215 1242 536 704 523 708 1032 328
23 to 27 years 1371 128 116 18 28 145 64 141 71 72 1371 308 687 376 845 104 526 251 272 345 377 478 171
28 to 32 years 23182 2431 486 199 403 2164 1807 1561 3058 987 23182 5954 14114 3113 17159 1070 6023 3933 2044 4185 5258 7658 6081
33 years or more 858 22 13 10 24 108 55 275 36 105 858 205 416 237 556 66 302 129 171 146 207 335 170
Variable 438 45 66 1 12 56 22 72 51 56 438 99 179 159 227 26 210 75 133 70 110 169 88
Median 29 29 17 29 28 29 30 29 30 29 29 29 29 22 29 28 28 29 21 29 29 29 30

Remaining Years Mortgaged

Less than 8 years		 6140 156 652 78 210 712 357 1089 199 526 6140 1434 2976 1730 3854 455 2285 1007 1274 1167 1654 2390 928
8 to 12 5331 178 434 61 114 397 258 500 155 251 5331 1103 2782 1447 3286 398 2045 992 1048 1071 1465 1896 900
13 to 17 5763 636 537 51 127 482 344 427 594 295 5763 1347 3024 1391 3656 380 2107 1088 1011 934 1539 2175 1115
18 to 22 3897 285 261 42 90 368 245 290 209 227 3897 1004 2140 752 2586 205 1311 761 547 797 857 1424 819
23 to 27 7460 515 212 66 109 651 567 383 112 292 7460 1843 4599 1018 5387 346 2073 1389 672 1371 1706 2571 1811
28 to 32 9723 1950 240 70 177 811 791 370 2916 328 9723 2303 6107 1313 7129 442 2594 1692 870 1617 2361 2946 2799
33 years or more 74 13 6 0 2 3 9 4 11 4 74 19 43 12 58 5 16 9 7 12 9 26 27
Variable 496 48 66 2 12 64 25 79 51 60 496 113 214 169 276 33 220 82 136 82 124 185 104
Median 21 28 14 17 17 20 24 12 29 16 21 21 23 15 22 16 17 21 15 20 19 19 24

Current Interest Rate

Less than 6 percent		 877 70 62 14 27 128 60 89 161 56 877 260 400 217 575 58 302 141 159 211 179 359 128
6 to 7.9 24883 2658 856 231 436 1835 1537 1764 3222 1045 24883 5647 14841 4395 17254 1360 7629 4555 3035 4650 6236 8009 5988
8 to 9.9 10333 727 842 96 264 1114 804 999 669 656 10333 2547 5429 2357 6818 626 3515 1765 1731 1695 2585 4076 1977
10 to 11.9 1897 196 370 27 80 266 139 187 120 130 1897 480 828 589 1093 144 804 354 445 338 499 771 289
12 to 13.9 616 54 167 2 21 83 44 62 54 71 616 171 243 202 351 55 265 118 147 108 175 237 96
14 to 15.9 141 36 58 0 2 30 3 31 8 11 141 32 70 38 67 5 74 41 34 19 18 94 11
16 to 17.9 48 19 24 0 2 6 2 2 6 5 48 10 26 13 30 10 18 16 2 1 17 28 2
18 to 19.9 71 7 17 3 5 14 10 8 3 10 71 17 43 12 40 8 31 27 4 28 7 25 11
20 percent or more 16 13 13 0 4 12 0 1 4 0 16 4 4 8 4 0 13 4 8 1 0 15 0
Not reported 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Median 7.5 7.4 8.7 7.5 7.8 7.8 7.6 7.7 7.2 7.8 7.5 7.5 7.4 7.7 7.5 7.6 7.6 7.5 7.7 7.4 7.5 7.6 7.4

Total Outstanding Principal Amount

Less than $10,000		 3941 107 746 53 141 586 249 784 177 443 3941 912 1813 1217 2329 280 1613 672 936 735 1000 1674 532
$10,000 to $19,999 2485 110 366 38 104 285 164 387 103 227 2485 583 1117 785 1532 223 953 387 561 450 696 932 406
$20,000 to $29,999 2878 290 488 33 90 295 192 281 192 254 2878 678 1265 935 1694 257 1184 506 678 457 939 1150 332
$30,000 to $39,999 3002 242 348 34 88 294 208 327 195 198 3002 742 1308 952 1829 308 1173 527 644 514 893 1249 347
$40,000 to $49,999 2841 187 166 24 46 326 170 283 213 166 2841 731 1373 737 1900 215 941 419 522 497 849 1088 407
$50,000 to $59,999 2931 184 113 43 52 296 189 175 265 128 2931 780 1452 699 1964 240 968 501 460 468 805 1217 441
$60,000 to $69,999 2863 140 53 23 69 237 198 158 272 83 2863 701 1596 566 1945 172 918 522 394 475 834 1075 479
$70,000 to $79,999 2781 248 39 22 53 225 179 172 328 88 2781 684 1600 496 1987 180 794 473 316 527 728 1010 515
$80,000 to $99,999 4353 456 60 36 40 325 305 193 579 140 4353 968 2788 597 3069 196 1285 871 402 837 1089 1427 1001
$100,000 to $119,999 2989 381 22 34 39 242 220 109 452 63 2989 656 2026 307 2163 82 826 594 225 593 647 860 889
$120,000 to $149,999 3241 560 2 16 52 164 263 122 567 91 3241 675 2301 265 2413 74 828 628 191 613 599 883 1146
$150,000 to $199,999 2579 521 6 9 47 137 172 83 454 72 2579 590 1816 173 1870 27 709 556 146 499 410 622 1047
$200,000 to $249,999 949 169 0 2 13 41 52 29 220 16 949 231 654 64 736 8 214 154 57 190 112 238 409
$250,000 to $299,999 440 67 0 4 1 14 16 12 82 1 440 88 327 25 330 2 110 86 23 109 50 92 189
$300,000 or more 609 117 0 3 5 22 21 27 150 13 609 149 449 12 473 1 136 125 11 86 65 96 363
Not reported 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Median 64762 96747 21890 51061 39683 48711 66381 33635 93122 33395 64762 62255 76362 40373 69610 42989 54772 69558 39430 68501 55975 55861 95851

Current Total Loan as Percent of Value

Less than 20 percent		 5566 100 255 65 127 641 321 1060 155 425 5566 1323 2925 1319 3701 339 1865 878 980 1235 1414 1829 1088
20 to 39 5615 299 256 53 133 389 315 708 261 388 5615 1198 3126 1291 3639 374 1976 1055 917 1096 1522 1772 1226
40 to 59 8080 516 303 104 136 590 413 611 411 386 8080 1932 4547 1601 5453 494 2627 1508 1108 1448 2293 2651 1689
60 to 79 10478 1274 372 62 226 838 738 490 1229 364 10478 2404 6292 1782 7355 556 3123 1882 1227 1846 2541 3626 2465
80 to 89 4102 601 154 41 71 456 349 80 805 149 4102 1093 2321 687 2943 252 1159 712 435 600 899 1694 909
90 to 99 2940 494 277 29 56 333 297 87 955 123 2940 781 1644 515 2069 155 870 501 360 437 634 1222 647
100 percent or more 2103 495 791 18 92 240 164 106 431 149 2103 437 1030 636 1073 96 1030 485 539 390 413 820 479
Not reported 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Median 60.3 75.3 81.2 53.1 62.2 63.0 66.7 34.4 80.8 49.3 60.3 61.1 61.1 56.3 60.9 57.0 58.9 60.7 56.0 56.5 56.8 63.1 62.0
@6Regular includes all mortgages except reverse and home equity.
@6Regular includes all mortgages except reverse and home equity.
@1Figures may not add to total because more than one category may apply to a unit.

Go to American Housing Survey for the United States: 1999
Contact the American Housing Survey Branch by email or by phone at 301-763-3235 or 1-888-518-7365, or visit ask.census.gov for further information on American Housing Survey Data.

Source: U.S. Census Bureau, Housing and Household Economic Statistics Division
Last Revised: February 18, 2005